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Side-by-side financial comparison of KEMPER Corp (KMPR) and monday.com Ltd. (MNDY). Click either name above to swap in a different company.
KEMPER Corp is the larger business by last-quarter revenue ($1.1B vs $704.0M, roughly 1.6× monday.com Ltd.). monday.com Ltd. runs the higher net margin — 1.3% vs -0.7%, a 2.0% gap on every dollar of revenue. monday.com Ltd. produced more free cash flow last quarter ($224.6M vs $166.2M).
Kemper Corporation is an American insurance provider with corporate headquarters located in Chicago, Illinois. With nearly $13 billion in assets, the Kemper family of companies provides insurance to individuals, families, and businesses.
Monday.com Ltd. is an Israeli-based cloud-based platform that allows users to create their own applications and project management software. The product was launched in 2014 and in July 2019, the company raised $150 million, based on a $1.9 billion valuation. The company went public in June 2021 and is based in Tel Aviv, Israel.
KMPR vs MNDY — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.1B | $704.0M |
| Net Profit | $-8.0M | $9.4M |
| Gross Margin | — | 89.6% |
| Operating Margin | — | -4.4% |
| Net Margin | -0.7% | 1.3% |
| Revenue YoY | -4.7% | — |
| Net Profit YoY | -108.2% | — |
| EPS (diluted) | $-0.03 | — |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.1B | — | ||
| Q3 25 | $1.2B | $704.0M | ||
| Q2 25 | $1.2B | $453.0M | ||
| Q1 25 | $1.2B | $216.9M | ||
| Q4 24 | $1.2B | — | ||
| Q3 24 | $1.2B | $527.1M | ||
| Q2 24 | $1.1B | $337.9M | ||
| Q1 24 | $1.1B | $162.3M |
| Q4 25 | $-8.0M | — | ||
| Q3 25 | $-21.0M | $9.4M | ||
| Q2 25 | $72.6M | $21.4M | ||
| Q1 25 | $99.7M | $7.1M | ||
| Q4 24 | $97.4M | — | ||
| Q3 24 | $73.7M | $-14.2M | ||
| Q2 24 | $75.4M | $-21.7M | ||
| Q1 24 | $71.3M | $-14.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | 89.6% | ||
| Q2 25 | — | 89.6% | ||
| Q1 25 | — | 89.2% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 89.0% | ||
| Q2 24 | — | 89.2% | ||
| Q1 24 | — | 89.5% |
| Q4 25 | — | — | ||
| Q3 25 | — | -4.4% | ||
| Q2 25 | — | -0.7% | ||
| Q1 25 | — | -2.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | 11.2% | -7.1% | ||
| Q2 24 | 10.1% | -10.3% | ||
| Q1 24 | 7.6% | -14.0% |
| Q4 25 | -0.7% | — | ||
| Q3 25 | -1.7% | 1.3% | ||
| Q2 25 | 5.9% | 4.7% | ||
| Q1 25 | 8.4% | 3.3% | ||
| Q4 24 | 8.2% | — | ||
| Q3 24 | 6.3% | -2.7% | ||
| Q2 24 | 6.7% | -6.4% | ||
| Q1 24 | 6.2% | -9.0% |
| Q4 25 | $-0.03 | — | ||
| Q3 25 | $-0.34 | — | ||
| Q2 25 | $1.12 | — | ||
| Q1 25 | $1.54 | — | ||
| Q4 24 | $1.51 | — | ||
| Q3 24 | $1.14 | — | ||
| Q2 24 | $1.16 | — | ||
| Q1 24 | $1.10 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $1.4B |
| Total DebtLower is stronger | $943.5M | — |
| Stockholders' EquityBook value | $2.7B | $1.0B |
| Total Assets | $12.5B | $1.7B |
| Debt / EquityLower = less leverage | 0.35× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | — | ||
| Q3 25 | $371.2M | $1.4B | ||
| Q2 25 | $407.6M | $1.7B | ||
| Q1 25 | $545.3M | $1.4B | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $696.9M | $1.1B | ||
| Q2 24 | $539.1M | $1.3B | ||
| Q1 24 | $520.7M | $1.1B |
| Q4 25 | $943.5M | — | ||
| Q3 25 | $943.1M | — | ||
| Q2 25 | $942.6M | — | ||
| Q1 25 | $942.1M | — | ||
| Q4 24 | $1.4B | — | ||
| Q3 24 | $1.4B | — | ||
| Q2 24 | $1.4B | — | ||
| Q1 24 | $1.4B | — |
| Q4 25 | $2.7B | — | ||
| Q3 25 | $2.7B | $1.0B | ||
| Q2 25 | $370.0M | $1.2B | ||
| Q1 25 | $366.0M | $1.0B | ||
| Q4 24 | $2.8B | — | ||
| Q3 24 | $2.8B | $813.5M | ||
| Q2 24 | $358.0M | $910.1M | ||
| Q1 24 | $2.6B | $813.5M |
| Q4 25 | $12.5B | — | ||
| Q3 25 | $12.4B | $1.7B | ||
| Q2 25 | $12.6B | $2.0B | ||
| Q1 25 | $12.5B | $1.7B | ||
| Q4 24 | $12.6B | — | ||
| Q3 24 | $12.6B | $1.3B | ||
| Q2 24 | $12.6B | $1.5B | ||
| Q1 24 | $12.6B | $1.3B |
| Q4 25 | 0.35× | — | ||
| Q3 25 | 0.35× | — | ||
| Q2 25 | 2.55× | — | ||
| Q1 25 | 2.57× | — | ||
| Q4 24 | 0.50× | — | ||
| Q3 24 | 0.50× | — | ||
| Q2 24 | 3.88× | — | ||
| Q1 24 | 0.54× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $175.0M | $234.4M |
| Free Cash FlowOCF − Capex | $166.2M | $224.6M |
| FCF MarginFCF / Revenue | 14.7% | 31.9% |
| Capex IntensityCapex / Revenue | 0.8% | 1.4% |
| Cash ConversionOCF / Net Profit | — | 25.02× |
| TTM Free Cash FlowTrailing 4 quarters | $553.9M | $608.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $175.0M | — | ||
| Q3 25 | $139.9M | $234.4M | ||
| Q2 25 | $89.6M | $147.7M | ||
| Q1 25 | $180.0M | $92.0M | ||
| Q4 24 | $175.1M | — | ||
| Q3 24 | $141.9M | $156.9M | ||
| Q2 24 | $22.9M | $90.3M | ||
| Q1 24 | $43.0M | $42.7M |
| Q4 25 | $166.2M | — | ||
| Q3 25 | $133.4M | $224.6M | ||
| Q2 25 | $82.0M | $141.8M | ||
| Q1 25 | $172.3M | $90.5M | ||
| Q4 24 | $165.4M | — | ||
| Q3 24 | $131.4M | $151.4M | ||
| Q2 24 | $5.2M | $85.6M | ||
| Q1 24 | $27.7M | $39.2M |
| Q4 25 | 14.7% | — | ||
| Q3 25 | 10.8% | 31.9% | ||
| Q2 25 | 6.7% | 31.3% | ||
| Q1 25 | 14.4% | 41.7% | ||
| Q4 24 | 13.9% | — | ||
| Q3 24 | 11.1% | 28.7% | ||
| Q2 24 | 0.5% | 25.3% | ||
| Q1 24 | 2.4% | 24.1% |
| Q4 25 | 0.8% | — | ||
| Q3 25 | 0.5% | 1.4% | ||
| Q2 25 | 0.6% | 1.3% | ||
| Q1 25 | 0.6% | 0.7% | ||
| Q4 24 | 0.8% | — | ||
| Q3 24 | 0.9% | 1.0% | ||
| Q2 24 | 1.6% | 1.4% | ||
| Q1 24 | 1.3% | 2.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | 25.02× | ||
| Q2 25 | 1.23× | 6.91× | ||
| Q1 25 | 1.81× | 12.99× | ||
| Q4 24 | 1.80× | — | ||
| Q3 24 | 1.93× | — | ||
| Q2 24 | 0.30× | — | ||
| Q1 24 | 0.60× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KMPR
| Specialty Property Casualty Insurance Segment | $995.1M | 88% |
| Life Insurance Segment1 | $140.7M | 12% |
MNDY
Segment breakdown not available.
